Managing money has become more accessible than ever. Whether you are looking to invest in mutual funds, save a little every day, or track your expenses, there’s an app that fits your needs. With rising inflation and the need for smarter financial planning, many Indians are turning to technology to optimise savings and investments.
This guide highlights some of the top investment and daily savings apps in India. From the best app for mutual funds to platforms that automate micro-savings, these apps are designed to help you take control of your finances.
1. Nippon India Mutual Fund App
The Nippon India Mutual Fund App is a reliable, feature-rich platform that simplifies digital investing in mutual funds. With over 1 million downloads and a 4.5-star rating, it’s widely trusted by retail investors across India. Whether you’re just beginning or managing a diversified portfolio, the Mutual Fund app offers a seamless and intuitive experience.
Key features include:
- Quick digital onboarding with PAN-based e-KYC
- Secure logins via fingerprint, Face ID, OTP, or M-PIN
- Access to a broad range of equity, debt, gold, and hybrid mutual funds
- A personalised dashboard and real-time portfolio tracker
- Advanced tools and goal planners for smarter investing
- Live customer support via chat, helpdesk, or callback
Key Highlights That Set It Apart
1. Secure & Modern Login Options
No more password hassles. Use biometric login, OTP, or 4-digit M-PIN. All data is encrypted, ensuring secure, easy access.
2. Unified Dashboard
View your entire portfolio in one place, including SIP vs. lumpsum, asset allocation, NAV trends, and linked family portfolios.
3. Smarter Fund Discovery
- Search by category, asset class, or goal
- Explore Trending Funds and get tailored suggestions
- Use tools like Fund Comparison, Performance Tracker, and Future Value Calculator
- Add funds to a Watchlist for later review
4. Easy Transactions
Supports:
- Lumpsum, SIP, redemption, and switches
- Cart Buying for multi-fund investments
- Schedule future transactions and set up repeat orders
- Pause/resume SIPs without canceling
- Payments via UPI, Net Banking, NEFT, RTGS, and bank mandates
5. Full-Service Suite
Manage your account with ease:
- Download statements, NAV history, and capital gains reports
Track transaction status in real-time - Update bank details, nominee, or contact info
- Toggle security settings like biometric login
- Get help via chat, web support, or callback
- Groww
Groww stands out for its clean interface and educational approach. It offers zero-commission direct mutual funds, ideal for beginners.
Pros
- No charges for opening a Demat account
- Easy-to-use interface
- Great for novice investors
Cons
- Slower customer support during busy times
- Limited tools for experienced traders
3. PhonePe
Primarily known for UPI payments, PhonePe has also expanded into mutual funds and insurance.
Pros
- Wide acceptance network
- Cashback offers integrated into payments
- Financial services add-ons
Cons
- Focus is still on payments, not investments
- Limited tools compared to dedicated apps
Final Thoughts
From dedicated online mutual fund apps in India to innovative savings apps, the Indian fintech ecosystem offers diverse solutions for every kind of user. Choosing the right app depends on your goals, whether it is investing in mutual funds, building daily savings habits, or managing expenses.
By picking the right platform, you can take a smarter approach to money management and stay on track to achieve your financial goals.